BluePay Review

BluePay Logo
full star idicating a 2.75 out of 5 star rating full star idicating a 2.75 out of 5 star rating empty star indicating a 2.75 out of 5 star rating empty star indicating a 2.75 out of 5 star rating empty star indicating a 2.75 out of 5 star rating

How did they treat you? ▼

Consolidated with Clover

In 2019, global financial services provider Fiserv acquired First Data and other payments providers including Clover and CardConnect. In 2020, BluePay consolidated its SMB offerings under the Clover name, and has dissolved the BluePay brand. However, merchants that held a BluePay account previously can still access it through the Clover website.

Owned By First Data

BluePay, sometimes misspelled as “Blue Pay,” is a mid-size credit card processor and merchant account provider headquartered in Naperville, Illinois. First Data acquired the company in December 2017. BluePay owns a handful of subsidiaries, including Security Card Services and VersaPay.

Connection to Blackhawk Processing

We have uncovered through our research on BluePay that another processing company named Blackhawk Processing shares the same address as BluePay and may be connected to BluePay.

BluePay Headquarters and Ownership

BluePay is a registered ISO/MSP with Wells Fargo, N.A., Concord, California. Founded in 2002, the company has offices in Chicago, New York, Maryland, and Ontario but lists its corporate headquarters as 184 Shuman Blvd #350, Naperville, Illinois 60563. Bala Janakiraman is listed as the CEO of BluePay.

BluePay Review Table of Contents

  • Costs & Contract: BluePay offers a three-year contract with an early termination fee of $295.
  • Complaints & Service: BluePay has received more than 35 public complaints.
  • BBB Rating: BluePay has an “F” rating and has received 9 complaints and 5 reviews in the past 3 years. The company has also had its accreditation revoked by the Better Business Bureau.
  • Sales & Marketing: BluePay appears to hire independent sales representatives and has received a low-to-moderate number of complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With BluePay

BluePay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 35+
Live Customer Support Yes
Most Common Complaint Hidden Fees

Hidden Fee Complaints

There are over 45 negative BluePay reviews filed online, which is a low-to-moderate total for the company’s size and time in business. The majority of the complaints relate to “hidden fees” or unexpected costs that were not revealed during the sales process. Many of those same merchants also complained about being surprised by the $295 early cancellation fee.

Fund Hold Issues

Several recent complaints report that BluePay placed holds on a merchants funds in the from of a cash reserve or security hold. In one case, BluePay responded, stating that the merchant had misrepresented his business type. Generally speaking, holds of these types are not an issue for merchants with U.S.-based businesses and low chargeback rates, so we are inclined to believe that BluePay acted in accordance with standard industry practices in this case. Merchants operating in high risk industries, however, should consider opting for a top-rated high risk merchant account to ensure their needs are met.

Bluepay Services Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Bluepay. However, it appears that Blackhawk Processing, which may be connected to BluePay as noted above, was involved in a patent dispute in 2013. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

BluePay Customer Support Options

BluePay offers phone, chat, and e-mail support to all of its merchants, but it is unclear whether these lines are serviced by First Data or by BluePay’s independent customer service team. We are awarding the company a “B” in this category but do not consider BluePay to be one of the best customer service payment processors.

BluePay Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 4
Billing & Collection Complaints 5
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

BBB Accreditation Revoked

On November 28, 2018, BluePay’s BBB accreditation was revoked. It’s profile is prefaced with a notice explaining the reasons behind the revocation:

On 11/28/2018 this business’s accreditation in the BBB was revoked by the BBB’s Board of Directors due to its failure to adhere to the BBB requirement that Accredited Businesses meet and abide by the following standards:

6. Address marketplace disputes quickly, professionally, and in good faith.

6A. Promptly respond to all complaints forwarded by BBB by:

  1. Resolving the complaint directly with the complainant and notifying BBB, or

  2. Providing BBB with a response that BBB determines:

    • is professional,

    • addresses all of the issues raised by the complainant,

    • includes appropriate evidence and documents supporting the business’ position, and

    • explains why any relief sought by the complainant cannot or should not be granted.

Despite being notified of the BBB of its accreditation being revoked, BluePay still uses the bureau’s logo on its website:

Misuse of BBB Name and/or Logo

On 1/3/19 and 1/11/19, the Better Business Bureau Serving Chicago and Northern Illinois sent written notices to BluePay Processing, Inc., requesting that the business immediately cease claiming or implying in any way that it is an Accredited Business by removing the BBB Torch logo from its website, but has yet to reply or remove the logo.

This use of BBB trademarks constitutes trademark infringement and is a violation of trademark rights of the Council of Better Business Bureaus, Inc. The mark may only be used in limited ways by authorized users that have entered into a licensing agreement with the BBB and may not be used in any manner that conveys sponsorship or approval.

At the time of this review, BluePay has a Better Business Bureau rating of an “F”. The company’s profile is currently showing 9 complaints in the last 36 months. 5 of the complaints were due to a problem with a product or service and 4 were billing or collections issues. Only 2 of these 9 complaints were resolved by the company to the satisfaction of the merchant. The remaining 7 were resolved to the dissatisfaction of the merchant or received no final response.


What Merchants Are Saying

In addition to the 9 complaints filed with the BBB, BluePay has received 5 informal reviews on its profile, all of which are negative in tone. One review describes frustration with being billed after closing their account, a common complaint for BluePay:

My account was closed on 7/1/2020, but they continued to charge me up until 1/4/2021. They are refusing to refund all of the money they charged me in error. Their customer service representatives are very rude, particularly Delva, the supervisor. They will not allow me to speak to the analysts reviewing my case. The analysts will not respond to my repeated requests for a refund. They are stealing money out of the former customers accounts!

Merchants stuck in a similar situation can benefit from understanding how to cancel their accounts without having to pay unnecessary fees.

An “F” Rating

Based on BluePay’s complaint count, resolution ratio, size, revoked accreditation, and deceptive use of its standing with the BBB we are adjusting the BBB‘s rating to an “F” for the purposes of this review.

BluePay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate 2.39% + $0.25
Keyed-in Rate 2.99% + $0.20
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee $295
PCI Compliance Fee $99
Equipment Lease Terms Undisclosed

Three-Year Agreement

The processor’s standard merchant account contract is a three-year service agreement with a successive one-year automatic renewal clause. In the event of a service cancellation while under contract, a merchant may be subject to a $295 cancellation fee that is automatically withdrawn from the merchant’s attached checking account. Though the company does not explicitly list rates on its website or program guide, merchant reviews reflect a swipe rate of 2.39% plus $0.25 and 2.99% plus $0.20 for keyed-in transactions. This is a feature that causes BluePay’s rating to fall somewhat.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, BluePay also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Level 2 and Level 3 Processing Services

In addition to its traditional merchant services, BluePay also advertises that it provides level 2 and level 3 processing for B2B and B2G transactions. Level 2 and level 3 processing rely upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for B2B and B2G purchases that utilize corporate credit cards.

Other Important Fees

BluePay’s website also fails to mention an annual PCI Compliance fee of $99 or a $15 monthly statement fee, among various other intermittent and smaller fees that have been reported in complaints. In some cases, the company may offer interchange-plus pricing to merchants who request it, but BluePay does not openly promote it as a merchant account pricing option. Overall, BluePay’s contract terms are not competitive with the cheapest merchant accounts available.

BluePay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Yes
Advertises Deceptive Rates Yes
Discloses All Important Terms No

Multi-Faceted Sales Approach

BluePay appears to rely heavily on independent sales agents, telemarketing, partnerships, online marketing, and an inside sales staff to market its services. Since BluePay keeps the majority of its sales staff in-house, it helps the company maintain a higher level of quality control of the sales process. However, based on merchant feedback, BluePay’s sales team appears to be falling a little short in always openly revealing all of the company’s costs and terms. There are numerous merchant complaints on this site and elsewhere that mention nondisclosure of rates and fees by the company’s agents. If you are concerned that BluePay is overcharging you, we advise seeking a third-party statement audit to eliminate hidden fees.

Example of misleading rate quotes from BluePay
Misleading Rate Quote Example

Teaser Rate Quote

BluePay currently promotes rates “as low as 0.95%” on its website. This rate could set unrealistic expectations for credit card processing costs because merchants will likely only see a small fraction of their transactions processed at such a low discount rate. Additionally, it’s unlikely that most merchants will actually get the rates that BluePay displays on its website, as evidenced by a previously posted disclaimer that said the company’s rates are really “based on volume, average ticket and the types of credit card your customers pay with.”

Misleading Advertising

We have also located BluePay advertisements elsewhere on the internet (shown on the left) that advertise rates “as low as 0.05%.” These rates are clearly “teaser” rates and are not an accurate reflection of the average cost per transaction for most BluePay merchants. As with the examples on the company’s website, these quotes may give merchants an unrealistic expectation of the rates they will pay and are therefore deceptive in our view.

Our BluePay Review Summary

Our Final Thoughts

Room for Improvement

Overall, BluePay performs at an average level and has a moderate complaint level for its size and time in business. The company has a few areas to improve upon, with the main areas of concern being how BluePay quotes rates and fees on its website and its three-year contract with an auto-renewal clause. Merchants are advised to thoroughly read and understand the merchant account agreement before signing as a precaution against unwelcome surprises. Merchants can be sure to secure the best overall deal by comparing BluePay’s offerings to those of top-rated merchant services providers.

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Testimonials & Complaints

How Did BluePay Treat You?

41 User Reviews

  • Jennifer

    Premier Fitness

    Just opened a Gym using the GymMaster app and processing through Clover / Bluepay and in addition to the regular % charges for each type of credit card used, they charged a $35 for 24 transactions in batch settlement fees totaling $840 for $3475 worth of sales in January. After looking into it, and finding this site, I’m going to try everyway to get out of this card processing platform.

  • Steven

    Do not trust the numbers that the salesperson gives you during their sales pitch. If you try this company out make sure you read EVERY thing that you sign, ALL the small print. They changed numbers and added extra fees and conditions (3 year contract, early termination for example) and hid them in my “application” form which is actually what they will use as a “contract agreement” form.

    After the first 4 months almost all of the fees increased. Promised 1.69% swiped fee…was paying 5.6% fee on average per month. Promised $15/mo “service fee”…was paying $25/mo. Promised NO annual fee…was annually charged $119 for PCI compliance. No mention of a minimum fee…paid $50/mo even if I did no processing that month (hurt when business was very slow due to Covid). Business practices like these have to be criminal?

    No complaints about the actual processing part, posted to account pretty quickly. I would definitely not recommend this company though. I have 2 months left of my contract, after reading some of the other reviews on here I am worried about continued fees after cancellation so I will be sure to receive proof of cancellation.

  • Rick Clemenzi, PE

    BluePay has apparently become WILLFULLY FRAUDULENT. They failed to close our account when I was personally told by their agent that it was closed, and they have since ILLEGALLY charged the non-profit I volunteer for hundreds of dollars and are refusing to not refund it.

    BluePay is behaving like NOTHING BUT A SCAM!! Even further, it seems to actually be a group of firms named FISERV, CardConnect, Clover, and BluePay whom we were passed around while trying to even figure out who was wrongfully charging us. It looks like a FEDERAL RICO CASE to me — an interstate corrupt shell organization cluster where you can’t even figure out who is what!


  • Sue

    This company is a SCAM. Wasted my time, dealt with them for a week as they disguised as my potential client. Asked me to send invoice and said his accountant told him not to use paypal and square. And after many rounds of text and emails. He insisted me to use Bluepay and rudely asked me to hook it up with my bank account. What a shame. They want business desperately. They would do anything.

    This post will help: Best All-Purpose Merchant Accounts

  • Damir Osmankic

    bad business to deal with my company cancel them in 2 months after I was lied to by their salesmen was promised 1% on all credit cards after the first bill I saw was over 4% 26k $1075 and $158 for a equipment their a bunch of lairs and their nothing but frauds don’t have them in your business you will regret if you do

    This post will help: Best Automotive Repair Merchant Accounts


  • Yvette Benitiz

    I was a customer of BluePay and cancelled my account in June. They continued to bill me for 6 months and even after I called to complain. When I asked for them to also refund fees associated with overdraft fees was told that I had responsibilities for my own account. I have tried to call and speak to a manager and have not been transferred to one nor can I leave a message. As of today still have not received my refund.

    From The Editor
    This Post Might Help: Cancelling a Merchant Account Without Paying A Fee

  • Max Kuecker

    All the negative reviews are spot on. I have never dealt with such a devious company. They have hidden fees everywhere that they automatically withdraw from your account without notification. Over 90% of credit and debit cards are “non-qualified,” and thus, bill at a much higher rate. We have been trying to close our account for months, but they make it extremely difficult to do so. I do not know how they stay in business!

    From The Editor
    This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

  • Mark Stoneberger

    Joined bluepay and was told would receive a call to explain how to use the card reader. That did not happen. Then a review was initiated on one of the cards accepted. It took 3 + weeks then was called and said the review was complete and then released funds to my account. When asked the total funds released I received the reply “just over $200.00”. Did not know the amount. If you expect money after the transactions are complete, it won’t happen.Bluepay is a joke with your money!!

  • Art Olive

    This company was (and still is) a drain on my business. I cancelled over a year ago by using their requested forms, after they repeatedly double billed me. Receipt of those forms was confirmed and they told me I was cancelled, yet over a year later, I’m still getting billed for monthly services, even though I went with a more reputable company over a year ago. Don’t use their services unless you want to pay more, get horrible customer service, and have them keep your money until you remind them they should be putting it in your account.

  • Frank Fornaris

    BluePay provides everything we want and need from our credit card processor. Their competitive pricing, easy-to-use and secure online portal, and exceptional customer service allows us to focus on growing our business rather than the day-to-day administration. I definitely recommend working with BluePay.

  • Lorena Montes

    Bluepay is the worse company we never had to process online payments. For many months they were charging us double rates and when we complained they reimburse us only 6 months of erroneous charges with the excuse that ‘the system don’t allow us to go beyond 6 months’. Don’t allow this company to handle your business.

  • Darin Lee

    Buyer Beware. Support is not available all the time. Alot of false advertising and claims. Support was not available and no-one called and/or wrote back after leaving several messages and by written correspondence through the account web-site.

  • Michael Lafarlett

    Our company canceled the Blue Pay account at then end of March 2015. In March 2016 we were charged $99.00. In January, February, and March of 2017 we have been charged $29.95. We informed them that we are no longer a customer as of 2015. I received a call from a rep. that informed me that they never received our letter to discontinue service. She said they will not reverse any charges. She was also wanting me to send yet another letter of cancellation. She was not helpful at all to resolve this issue and blamed all fault on us, the customer. Beware of this company.

  • Alex Vasquez

    BUYER BEWARE. They are the worst. They are super helpful to get you in and then they are HORRIBLE after that. If you are going to sign, make them remove the three year commitment, I did. They sent me a month to month contract. (I can send anyone who wants it, a copy) That way you can get out of it when you realize how horrible they are.

  • Melinda Croxford

    This company is the biggest scam ever. I setup a merchant account with them and processed for two days. Then they closed the account saying they cant have it open because its a high risk account? They even froze my money then stated they refunded the money back to my clients and my clients told me they never got the money. So we had to fight them for more then a MONTH to give our clients their money back. They were literally trying to keep it and lie to me telling me they were going to refund it to my clients because we were a scam? Now that they finally did we have a new merchant account and bluepay is calling them making up stories trying to get us shut down and they cant. STAY FAR AWAY FROM THESE GUYS CAUSE THEY ARE NOT A LEGIT MERCHANT SERVICE PROVIDER. IF ANYTHING THEY ARE A SCAM!

  • Elizabeth Trelfa

    BluePay is the WORST! They hooked me in with low rates. Then out of nowhere with no warning – my rate more than doubled, they started charging me for customer service fees and non-compliance fees as well. Then I went to cancel the account and without warning, they charged me $295 for “early termination”. After I was with them for 2 years!!! I’m on the verge of going out of business and $295 is a ton of money!!!!!!

  • Kevin Starrett

    I had three accounts with them. One was immediately attacked with a phising scam they could not mitigate and they told me it was my problem. The I got slammed with almost 600 bucks in cancellation fees for the other accounts.
    My sales rep, Phil Latsoff first assured me I was on a month to month deal and I would get those fees refunded. They were not. Both Phil and his boss then refused to answer my calls. Emails bounced. Stay away from these people.

  • Kenneth

    We used this “company” some years back and I see their business practice has not changed. They did not honor the processing fees and rates quoted to us when we signed up. Several things they do we never experienced with another credit card processor.

    1.) charged transaction flat fee on failed charges
    2.) statement fee monthly
    3.) rates constantly varied on not just international charges but on domestic charges, sometimes adding another 3% on what they determined as a “risky” transaction
    4.) charges a yearly fee, monthly fee, per transaction flat fee, processing rate fee and cancellation fee

    Our major problem with the cancellation fee was when our contract was about to end, we notified them before the end of the term that we was going to cancel so we would not be charged the fee. When the day come, they renewed our contract for another year without authorization and then charged us the cancellation fee. This is not a company to do business with and if you think they are a good processor, just shop around. If you check out just two other companies, they would beat this one hands down.

  • Shelby

    I’m going to second T.M. with the poor cancellation experience. I was unaware of the $295 cancellation fee buried on page 24 of 26 of the “Program Guide.” And it is absolutely automatically withdrawn from your account. Before the issues dropping Bluepay happened, my main beef was their poor online virtual terminal. It was clunky and outdated. I’ve been much happier since switching to Braintree Payments.

  • T.M.

    Nightmare experience. Years ago I cancelled my account with BluePay. Yet, they kept billing me. I sent them another letter via fax to cancel my account and thought it was settled. However, they continued to bill me $2.95 for a year and then $27.95 for the past 9 months! The charges were no longer to “BluePay” – they were to “MTOT” and indicated my website address, consequently I thought they were charges for my website. The only reason I caught it was because a charge to “BluePay” showed up again this month. I called to inquire about it and In conversation with their rep discovered MTOT is BluePay and I was told that I’d have to write another letter and fax it to cancel – again. The customer service rep was impossible. Unbelievable. My bank is investigating and I hope to recover the charges.

    • Bill Schlunz

      Actually, yes, BluePay is processing in-house. All underwriting, merchant support, technical support, risk, all service of any kind is all through BluePay directly. BluePay is considered a Tier One processor for this reason. However, don’t just take my word for it. Contact FirstData directly and ask any question at all about your merchant acct. They will direct you to the applicable Tier One processor, BluePay. Appx 2 out 3 of all US merchants are somehow relatable to First Data in one way or another. Most of the time it is FirstData that is used as the back-end processor. They generate the statements for BluePay merchants. I should know all of these things, as I’ve been in this business for probably longer than you will encounter with any representative. I’ve been representing these folks since March 1995. It’s a great team of professionals. BTW, I’m an independent rep, able to sell for any company, yet I choose BluePay for my clients.

  • Jane Doe

    I asked if there was any commitment and my sales rep told me there was no annual fee. (Not answering my question.) Later, after completing my account, I logged in to see a 3 year commitment. I would NOT recommend them. I also sent my sales rep a follow up e-mail last week about it. He was very responsive before the sale, but now all I hear is crickets…

  • Soon to be past customer

    I have been a customer of Blue Pay for a few years but that is about to end. They recently double charged all of thier clients for thier monthly fees and now my company account is in the negative and I my employee pay checks are bouncing. It has been a week now and they still have not corrected the issue. The have no compassion or sence of urgency to help thier customers after they make a mistake. The acknowledged the error was on thier end but yet they still have not fixed the issue or attmepted to help the hundreds of dollars in overdraft fees that they have created on my account. DONOT USE THIS COMPANY THEY WILL PUT YOU OUT OF BUSINESS!!!!!

  • Alex

    I will not recommend this company.
    After not receiving the funds in my account after several business days, I contacted them and was told my account was being reviewed further (Not sure why they would do that off the bat) because my business type was considered to be high risk. They asked me to send some information over for their review. I’ve send them 2 month bank statements, Google Checkout statements and etc.Then after two days they sent an email saying they canceled my account.
    They’ve told me that it will take 90 – 180 days to release the money.They think they have the license to keep your money.
    I’ve contacted BBB and filed a complain.

    Stay away from this company.

  • Jeff

    This has really become a nightmare. I have given them 30 days, ten phone calls, six emails, and three chat sessions to even remotely try and resolve this. Everything went fine opening my account, I used their service to charge my clients for services on three separate dates. After not receiving the funds in my account after several business days, I contacted them and was told my account was being reviewed further (Not sure why they would do that off the bat) because my business type was considered to be high risk for charge backs. They asked me to send some information over for their review. That same night, they sent an email saying they canceled my account. Up to that point it would certainly be frustrating and a bad experience that they would open the account and then close it in a week. But I have learned being in the travel business, it is considered high risk with merchants and that seems acceptable. What I find completely unacceptable and basically illegal is they have held the money for themselves, they have not released the charged funds to me (which I could understand since they chose to close the account), but despite all of the email requests and phone calls, they are refusing to refund my customers for six months. They claim it is for chargebacks, but again, I am asking them to refund my clients which would eliminate any need for the worry of chargebacks. So far for 30 days, they have not released the funds to my company and they have not credited back my customers and I have been flooded with calls and emails saying they still see charges on their account and I am completely at their mercy. The damage done to the reputation of my business has now reached a very serious level. From what I can see, they seem to think they have a license to take your money. I would seriously use a great deal of caution when considering using BluePay for your processing needs.

  • jim

    if you consider them, plan on a gettign deceitful sales pitch with outright lies. I was told my fees would be 1.1 – 1.6%. They ended up being 3.4% due to their misc other fees. I am now locked in for 3 years or 295 term fee (both of which i knew nothign about) Some fees are outright ridiculous like a $15.00 month statement fee.
    I would NEVER recomend them

  • Tracey

    BluePay and their subsidiary BuyPass failed to process my POS batches for 10 days, without notice. Then they double charged the missed transactions, and took a week to resolve the issue. We fielded a hundred complaints from customers, and suffered loss of revenue and reputation. BluePay’s staff were utterly unhelpful and their manager responded with a dozen diversionary tactics to my written requests for documentation to prove their assertion that they were not at fault. They were, and I can prove it. They refused to refund my $129 yearly fee paid less than 60 days prior, though I was on the hook for hundreds of dollars from multiple interest charges and late fees for the insufficient funds charges incurred due to their error. Be warned: BuyPass has glitches in their software’s ability to read files, and none of their staff know why or how to resolve it. BluePay uses BuyPass to process files from merchants.

  • Bill

    I have been with the folks of BluePay for nearly 18 years and strongly recommend them to any merchant. I have nothing but positive things to say about the company & their staff.
    Bill Schlunz

      • Bill Schlunz

        Sorry for the long delay in my response. I did not realize that your post was made, as I haven’t been on this site since I first came across it two years ago. The reason I logged in here today was in response to an email that I received, notifying me that someone just posted a question for me (from “Jabalong”). I will respond to that post in this writing as well.

        I started with John Rante, Kristen Gramigna, Nicole Pallela, Allen Caviles on Mar.21, 1995. John is the CEO, while the others are chief officers of BluePay, Inc. Suffice it to say that in a sense, just the name has changed over time, but it’s basically the same company & run by these same folks.

        I was an employee (as well as one of the owners for a period of time) until 1/1/2004, when I went off on my own as an independent agent. I am a very loyal person and send all of my business to BluePay, John and the others listed above have been very good to me.

        One of John’s methods of building companies is to make the employees (especially the key people) shareholders & stock option holders. This has proven enormously effective, as his businesses have been extremely successful. Employees are extremely loyal & & care a great deal about the success, reputation, quality & fate of the company.

        I have signed up literally thousands of merchants over my two decade tenure and can honestly say that I care quite a bit about these people and their businesses. I am extremely committed to excellent service. Many of my clients have been with me for years & years, and I am very appreciative of their choice of processors & agents. I provide very, very competitive pricing. Along the same vein, BluePay delivers excellent service and its employees care a great deal about servicing our merchants with the best care.

        Please feel free to contact me with any other questions. Of course, if anyone is interested in a high quality agent with top notch service and pricing, please contact me.

        Thank you

        [Contact information redacted. Promotional content not allowed]

        P.S. My website ([Redacted]) is currently under construction, as Visa has some strict compliance rules for agents in this industry.

        P.P.S. sorry this post is so lengthy. Sometimes I get a little carried away when writing — especially when it’s about something I’m very passionate about.

  • Robert

    Stay away from this group. I signed up and every time I went to login to do a transaction they couldn’t find my account. I’d have to call my rep who would login for me. But that was only when they would answer the phone. For over 6 montyhs they didn’t answer their phones nor return messages. This was a bad experience for me but an easy one for them. They kept removing their fees from my account every month. I feel like was swindled because I literally got nothig from them, and when I tried to get help – they weren’t there.

  • Shannon

    Make sure you get everything in writing. My first few bills showed incorrect rates and fees, and I was able to reduce some of them simply because I had kept all e-mail conversations with the sales rep. Unfortunately, the verbal “promises” were not honored because I was not able to prove the quoted pricing. Rates and fees are increased at their discretion and hidden in the lengthy wording on the first page of every month’s bill. Then it states that “Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these terms.” As if you had a choice since you’re locked into the agreeement?

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